Common health insurance includes: critical illness insurance and medical insurance. Critical illness insurance is mainly to transfer the risk of economic losses caused by serious illness for the insured. Medical insurance is to reimburse the insured for medical expenses according to a certain proportion.
There are many differences between the two products. If you still don't understand, you can read the following article: What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
There are many health insurances in the market, but not every product is worth insuring. Therefore, Senior Sister will take critical illness insurance as an example today to tell you how to buy health insurance.
1, the safety content should be comprehensive.
At present, most of the critical illness insurance on the market can provide three kinds of protection for the insured: light, medium and heavy. In addition to these basic guarantees, there are some excellent products, which will provide more powerful protection for the insured against cancer, cardiovascular and cerebrovascular diseases and other critical diseases. The more comprehensive the protection, the greater the compensation, and the better the protection the insured can get! This kind of products are naturally more worthy of our insurance, but we should pay attention to the insurance within the budget and don't let the excessive premium become our own economic pressure.
2. Health information should be relaxed.
The health information of critical illness insurance and medical insurance is strict. Once the insured is not in good health, it is difficult to insure. Therefore, you should choose to insure those products with loose health advice. If you don't know which critical illness insurance health advice is loose, you can get the following list: the latest! The top ten health warnings are loose, and the critical illness insurance is large!
3. The insurance coverage should be sufficient.
After all, buying critical illness insurance is actually buying insurance protection. As long as the insurance amount is enough, you can get enough insurance money when you are in danger. Therefore, if the insured's premium budget is sufficient, the senior sister suggests that the higher the insurance amount, the better!
About how to buy health insurance, senior sister said here first. If you don't know whether to buy health insurance or not, how to buy it, you can poke the link below!
Is it necessary to buy health insurance? These routines must be paid attention to!
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The same number on the whole network: Xueba said insurance, welcome to search!